Travel Insurance for your next trip
International travelers will almost always want to obtain travel insurance because it covers medical expenses, but even other travelers may find it useful depending on their plans. You purchase travel insurance for international trips through an insurer in your country of residence, which means the country to which you’d want to be evacuated to or return to after a serious medical emergency and/or the country you’d need to travel to if a family member became very ill (these are assumed to be the same country)
Some travel agents will offer travel insurance when you book travel, but you can purchase travel insurance between then and shortly before you depart. However, if you have a “pre-existing condition” you need covered, you need to purchase coverage promptly, for some insurers within 2-3 days, others within 10-14 days of first booking (not final purchase of) the travel. Otherwise, between the booking and departure date or anytime during travel, if you are injured, become ill or have other reason disallowing or cutting short your travel, you’re out of luck. Virtually all policies list the specific risks any covers. An insurer may offer different policies for different levels of coverage. Or particularly costly risks may be offered under extra-cost options. Carefully examine all to suit your needs. After noting the discussions throughout this article, consider the coverage tables below as typical examples.
As you buy, the number and age of travelers, plus the total known and estimated costs of the trip will primarily determine the cost of insurance, though other factors influence it. Do not understate any facts as you apply for/purchase a policy (e.g., , understate travelers’ ages, only count the air travel you’ve booked); your claim for reimbursement for some “covered” cost may be denied. Travel insurance becomes increasingly difficult to get after age 55, with your age alone being considered something of a pre-existing condition. The precise cutoff for receiving insurance without an addition premium and/or medical examinations varies from 55 to over 70 for some insurers. As you age, you will face increasingly higher premiums and perhaps excess charges or deductibles on claims, and your existing medical conditions may be partly or totally excluded.
A medical evacuation is often a chartered trip (usually a flight) for a patient who is not well enough to return home by other means to better facilities or to their home country. Though the need is rare, its costs can be devastating to most peoples’ savings. On-balance, the cost of coverage for it is not terribly great We are an affiliate of World Nomad and could make money from you signing up with them.
no one should ignore medical evacuation coverage
7 things you should know about travel insurance from WorldNomads.com
- Trusted reliable underwriters
WorldNomads.com is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.
- Value for money with the cover you need
WorldNomads.com provides cover for what’s important for travellers from over 150 countries. By focussing on what you need and leaving out what you don’t, World Nomads prices are some of the most competitive online.
- Flexibility when you need it most
Had a change of plans? You can extend your policy or claim online while you are still away. You can even buy a World Nomads policy if you’re already travelling.
- Cover for a range of adventure activities
From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, WorldNomads.com covers a range of adventure activities, giving you peace of mind to get the most from your travels.
- World Nomads keeps you travelling safely
All WorldNomads.com members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the World Nomads Travel Safety Hub.
- More than just great value travel insurance
All WorldNomads.com members can learn the local lingo through a series of iPod & iPhone Language Guides and can stay in touch with family and friends with an online travel journal.
- Commitment to exceptional customer service
We want to make sure you get the most from WorldNomads.com. You can find out more about why travel insurance is important for your trip. If you have any questions about your travel insurance or travel safety in general, please contact WorldNomads.com directly.